Dr. Pawan Bakhshi (now of the Bill & Melinda Gates Foundation) and Graham A.N. Wright (Group Managing Director of MicroSave) discuss the growing prevalence of over the counter (OTC), agent assisted transactions. In this the second of three videos they discuss: 1. How can we better track the customers behind OTC transactions to address KYC/AML concerns? 2. How can we improve customer protection for OTC customers? and 3. What are the drawbacks of an OTC model for DFS providers?